The best debt solution for your circumstances depends on a number of things like your income and expenses, your outstanding balances, your employment, and residential status.A debt management plan is an informal debt solution that may also involve budgeting and debt consolidation. The best debt management involves counseling and learning budgeting skills, so that you [...]
...Read MoreA traditional refinance, a Home Affordable Refinance Program (HARP) refinance, a Home Affordable Modification Program (HAMP), or a non-government modification–these are all options for improving your mortgage interest rate. But which is right for you? The HAMP program offers the best deal if you qualify–think of it as a refinance with a rate as low [...]
...Read MoreRefinancing isn’t just about getting a lower payment or even a lower interest rate. You can get a lower monthly payment but find yourself paying tens or even hundreds of thousands more over the life of your loan.
Any time you refinance from one mortgage to another with the same term, for example thirty years, you [...]
In the past, applicants for refinances or property purchases who didn’t have an arsenal of credit cards, car loans, or mortgages were able to get approved for home loans anyway–the lack of trade lines on their credit reports just meant that a special credit report had to be created from rental histories, utility payments, and [...]
...Read MoreDebt management is a lifelong commitment. Debt management, done correctly, is more than paying off credit cards and consumer loans. It’s learning how to avoid getting in over your head again. A good debt management service includes education and counseling, not just the promise of a quick settlement.
Debt management services act as go-betweens for you [...]
If your monthly payments and expenses exceed your income, and you have cut back as much as you can (you’re eating a lot of peanut butter and ramen noodles), you’re ready for a serious debt reduction strategy. This may involve debt consolidation, debt settlement, debt management, or even bankruptcy.
Here are the pros and cons of [...]
Refinancing a mortgage is not a cheap proposition–there are title and escrow charges, appraisal expenses, recording fees, transfer taxes, and lender charges. If the idea of writing a check for all of that makes you a little queasy, a no cash or no cost refinance probably sounds very good.
No Cost Isn’t the Same as Free
Refinancing [...]
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